Alinma Bank reported a 22% rise in net profit to SAR 4.3 billion for the first nine months of 2024, compared to SAR 3.52 billion in the prior-year period.
Item | 9m 2023 | 9m 2024 | Change |
---|---|---|---|
Net Income from investments and financial activities | 5,600.34 | 6,382.89 | 14.0 % |
Operating Income | 7,156.92 | 8,125.44 | 13.5 % |
Total Provisions | (963.57) | (797.54) | 17.2 % |
Net Income | 3,518.86 | 4,302.76 | 22.3 % |
Average Shares | 2,500.00 | 2,500.00 | - |
EPS (Riyals) | 1.41 | 1.72 | 22.3 % |
EPS Diluted (Riyals) | 1.35 | 1.62 | 19.8 % |
The profit rise was supported by an increase in total operating income by 13.5%, mainly due to higher net income from financing and investment, fee income, FVSI income, and exchange income, partly offset with the lower other operating income.
Income from investments and financing rose mainly due to a growth in financing and investment volume and an increase in profit rates.
The bank also reported a lower impairment charge on financing and other financial assets during the current period compared to the similar period last year, mainly due to a decrease in non-performing financing arising from the settlement of impaired accounts and onboarding of better-quality new assets.
Item | Q3 2023 | Q3 2024 | Change |
---|---|---|---|
Net Income from investments and financial activities | 2,005.90 | 2,220.17 | 10.7 % |
Operating Income | 2,540.64 | 2,815.20 | 10.8 % |
Debt Provisions | (300.99) | (211.56) | 29.7 % |
Net Income | 1,323.90 | 1,571.46 | 18.7 % |
Average Shares | 2,500.00 | 2,500.00 | - |
EPS (Riyals) | 0.53 | 0.63 | 18.7 % |
EPS Diluted (Riyal) | 0.51 | 0.56 | 9.4 % |
Item | Q2 2024 | Q3 2024 | Change |
---|---|---|---|
Net Income from investments and financial activities | 2,150.76 | 2,220.17 | 3.2 % |
Operating Income | 2,745.73 | 2,815.20 | 2.5 % |
Debt Provisions | (319.81) | (211.56) | 33.9 % |
Net Income | 1,416.57 | 1,571.46 | 10.9 % |
Average Shares | 2,500.00 | 2,500.00 | - |
EPS (Riyals) | 0.57 | 0.63 | 10.9 % |
EPS Diluted (Riyal) | 0.55 | 0.56 | 2.2 % |
The third-quarter net profit grew 18.7% to SAR 1.57 billion from SAR 1.32 billion in Q3 2023.
Sequentially, the Q3 bottom line grew by 10.9% from SAR 1.41 billion in Q2 2024.
Item | 9m 2023 | 9m 2024 | Change |
---|---|---|---|
Assets | 232.59 | 266.98 | 14.8 % |
Customer Deposits | 180.23 | 209.14 | 16.0 % |
Financing Investments | 169.06 | 195.90 | 15.9 % |
Shareholders’ equity, with no minority interest and after excluding Sukuk, stood at SAR 32.40 billion by the end of Sept. 30, 2024, compared to SAR 28.46 billion in the year-earlier period.
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2015 | 550.00 | 7.3 % | 729.60 | 21.6 % | (70.12) | (180.8 %) |
Q2 2015 | 610.46 | 21.7 % | 845.51 | 38.3 % | (78.13) | (399.3 %) |
Q3 2015 | 547.52 | 3.4 % | 707.94 | 3.0 % | (10.33) | 79.6 % |
Q4 2015 | 570.72 | 7.5 % | 779.70 | 8.1 % | (37.59) | 46.6 % |
2015 | 2,278.69 | 9.8 % | 3,062.74 | 16.9 % | (196.17) | (21.3 %) |
Q1 2016 | 611.17 | 11.1 % | 734.32 | 0.6 % | (13.03) | 81.4 % |
Q2 2016 | 626.79 | 2.7 % | 819.89 | (3.0 %) | (24.70) | 68.4 % |
Q3 2016 | 687.54 | 25.6 % | 828.72 | 17.1 % | (41.43) | (301.2 %) |
Q4 2016 | 726.60 | 27.3 % | 944.88 | 21.2 % | (115.99) | (208.5 %) |
2016 | 2,652.10 | 16.4 % | 3,327.80 | 8.7 % | (195.15) | 0.5 % |
Q1 2017 | 814.43 | 33.3 % | 1,004.85 | 36.8 % | (124.24) | (853.2 %) |
Q2 2017 | 834.22 | 33.1 % | 1,006.70 | 22.8 % | (119.54) | (384.0 %) |
Q3 2017 | 877.17 | 27.6 % | 1,062.75 | 28.2 % | (104.65) | (152.6 %) |
Q4 2017 | 967.21 | 33.1 % | 1,298.66 | 37.4 % | (210.06) | (81.1 %) |
2017 | 3,493.02 | 31.7 % | 4,372.96 | 31.4 % | (558.48) | (186.2 %) |
Q1 2018 | 896.28 | 10.1 % | 1,109.76 | 10.4 % | (89.47) | 28.0 % |
Q2 2018 | 942.39 | 13.0 % | 1,231.00 | 22.3 % | (162.76) | (36.2 %) |
Q3 2018 | 987.21 | 12.5 % | 1,211.70 | 14.0 % | (98.24) | 6.1 % |
Q4 2018 | 971.95 | 0.5 % | 1,292.46 | (0.5 %) | (41.92) | 80.0 % |
2018 | 3,797.83 | 8.7 % | 4,844.92 | 10.8 % | (392.80) | 29.7 % |
Q1 2019 | 976.43 | 8.9 % | 1,289.64 | 16.2 % | (65.40) | 26.9 % |
Q2 2019 | 1,066.01 | 13.1 % | 1,364.21 | 10.8 % | (141.66) | 13.0 % |
Q3 2019 | 1,138.86 | 15.4 % | 1,440.97 | 18.9 % | (108.31) | (10.2 %) |
Q4 2019 | 1,141.93 | 17.5 % | 1,515.34 | 17.2 % | (385.11) | (818.6 %) |
2019 | 4,323.22 | 13.8 % | 5,610.16 | 15.8 % | (700.48) | (78.3 %) |
Q1 2020 | 1,121.16 | 14.8 % | 1,259.28 | (2.4 %) | (358.69) | (448.5 %) |
Q2 2020 | 1,127.30 | 5.8 % | 1,332.41 | (2.3 %) | (192.79) | (36.1 %) |
Q3 2020 | 1,185.15 | 4.1 % | 1,479.84 | 2.7 % | (231.00) | (113.3 %) |
Q4 2020 | 1,214.21 | 6.3 % | 1,610.11 | 6.3 % | (636.70) | (65.3 %) |
2020 | 4,647.82 | 7.5 % | 5,681.64 | 1.3 % | (1,419.18) | (102.6 %) |
Q1 2021 | 1,206.64 | 7.6 % | 1,604.24 | 27.4 % | (346.77) | 3.3 % |
Q2 2021 | 1,231.43 | 9.2 % | 1,653.14 | 24.1 % | (336.80) | (74.7 %) |
Q3 2021 | 1,392.89 | 17.5 % | 1,722.06 | 16.4 % | (279.06) | (20.8 %) |
Q4 2021 | 1,309.43 | 7.8 % | 1,680.16 | 4.4 % | (288.98) | 54.6 % |
2021 | 5,140.39 | 10.6 % | 6,659.59 | 17.2 % | (1,251.60) | 11.8 % |
Q1 2022 | 1,311.57 | 8.7 % | 1,807.61 | 12.7 % | (241.02) | 30.5 % |
Q2 2022 | 1,413.49 | 14.8 % | 1,932.14 | 16.9 % | (248.35) | 26.3 % |
Q3 2022 | 1,673.65 | 20.2 % | 2,075.43 | 20.5 % | (272.53) | 2.3 % |
Q4 2022 | 1,667.81 | 27.4 % | 2,147.89 | 27.8 % | (435.79) | (50.8 %) |
2022 | 6,066.47 | 18.0 % | 7,963.06 | 19.6 % | (1,197.70) | 4.3 % |
Q1 2023 | 1,734.76 | 32.3 % | 2,179.41 | 20.6 % | (337.03) | (39.8 %) |
Q2 2023 | 1,859.68 | 31.6 % | 2,436.87 | 26.1 % | (325.54) | (31.1 %) |
Q3 2023 | 2,005.90 | 19.9 % | 2,540.64 | 22.4 % | (300.99) | (10.4 %) |
Q4 2023 | 2,054.17 | 23.2 % | 2,568.74 | 19.6 % | (308.54) | 29.2 % |
2023 | 7,654.51 | 26.2 % | 9,725.66 | 22.1 % | (1,272.10) | (6.2 %) |
Q1 2024 | 2,011.96 | 16.0 % | 2,564.50 | 17.7 % | (266.18) | 21.0 % |
Q2 2024 | 2,150.76 | 15.7 % | 2,745.73 | 12.7 % | (319.81) | 1.8 % |
Q3 2024 | 2,220.17 | 10.7 % | 2,815.20 | 10.8 % | (211.56) | 29.7 % |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2014 | 2,074.95 | 13.1 % | 2,619.84 | 15.0 % | (161.67) | 41.0 % |
2015 | 2,278.69 | 9.8 % | 3,062.74 | 16.9 % | (196.17) | (21.3 %) |
2016 | 2,652.10 | 16.4 % | 3,327.80 | 8.7 % | (195.15) | 0.5 % |
2017 | 3,493.02 | 31.7 % | 4,372.96 | 31.4 % | (558.48) | (186.2 %) |
2018 | 3,797.83 | 8.7 % | 4,844.92 | 10.8 % | (392.80) | 29.7 % |
2019 | 4,323.22 | 13.8 % | 5,610.16 | 15.8 % | (700.48) | (78.3 %) |
2020 | 4,647.82 | 7.5 % | 5,681.64 | 1.3 % | (1,419.18) | (102.6 %) |
2021 | 5,140.39 | 10.6 % | 6,659.59 | 17.2 % | (1,251.60) | 11.8 % |
2022 | 6,066.47 | 18.0 % | 7,963.06 | 19.6 % | (1,197.70) | 4.3 % |
2023 | 7,654.51 | 26.2 % | 9,725.66 | 22.1 % | (1,272.10) | (6.2 %) |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
Q1 2015 | 344.11 | 17.5 % | 0.14 | - | 344.11 | 0.14 |
Q2 2015 | 364.76 | 18.6 % | 0.15 | - | 364.76 | 0.15 |
Q3 2015 | 375.19 | 13.2 % | 0.15 | - | 375.19 | 0.15 |
Q4 2015 | 385.92 | 16.0 % | 0.15 | - | 385.92 | 0.15 |
2015 | 1,469.98 | 16.3 % | 0.59 | - | 1,469.98 | 0.59 |
Q1 2016 | 391.32 | 13.7 % | 0.16 | - | 391.32 | 0.16 |
Q2 2016 | 409.12 | 12.2 % | 0.16 | - | 409.12 | 0.16 |
Q3 2016 | 311.61 | (16.9 %) | 0.12 | - | 311.61 | 0.12 |
Q4 2016 | 390.22 | 1.1 % | 0.16 | - | 390.22 | 0.16 |
2016 | 1,502.27 | 2.2 % | 0.60 | - | 1,502.27 | 0.60 |
Q1 2017 | 421.32 | 7.7 % | 0.17 | - | 421.32 | 0.17 |
Q2 2017 | 488.22 | 19.3 % | 0.20 | - | 488.22 | 0.20 |
Q3 2017 | 541.76 | 73.9 % | 0.22 | - | 541.76 | 0.22 |
Q4 2017 | 560.05 | 43.5 % | 0.22 | - | 560.05 | 0.22 |
2017 | 2,011.36 | 33.9 % | 0.80 | - | 2,011.36 | 0.80 |
Q1 2018 | 567.27 | 34.6 % | 0.23 | - | 567.27 | 0.23 |
Q2 2018 | 605.79 | 24.1 % | 0.24 | - | 605.79 | 0.24 |
Q3 2018 | 636.93 | 17.6 % | 0.25 | - | 636.93 | 0.25 |
Q4 2018 | 1,046.96 | 86.9 % | 0.42 | 556.58 | 490.38 | 0.20 |
2018 | 2,856.95 | 42.0 % | 1.14 | 556.58 | 2,300.37 | 0.92 |
Q1 2019 | 637.84 | 12.4 % | 0.26 | - | 637.84 | 0.26 |
Q2 2019 | 675.67 | 11.5 % | 0.27 | - | 675.67 | 0.27 |
Q3 2019 | 712.78 | 11.9 % | 0.29 | - | 712.78 | 0.29 |
Q4 2019 | 508.53 | (51.4 %) | 0.20 | - | 508.53 | 0.20 |
2019 | 2,534.81 | (11.3 %) | 1.01 | - | 2,534.81 | 1.01 |
Q1 2020 | 370.27 | (41.9 %) | 0.15 | - | 370.27 | 0.15 |
Q2 2020 | 572.49 | (15.3 %) | 0.23 | - | 572.49 | 0.23 |
Q3 2020 | 629.25 | (11.7 %) | 0.25 | - | 629.25 | 0.25 |
Q4 2020 | 393.99 | (22.5 %) | 0.16 | - | 393.99 | 0.16 |
2020 | 1,965.99 | (22.4 %) | 0.79 | - | 1,965.99 | 0.79 |
Q1 2021 | 641.84 | 73.3 % | 0.26 | - | 641.84 | 0.26 |
Q2 2021 | 710.33 | 24.1 % | 0.28 | - | 710.33 | 0.28 |
Q3 2021 | 738.09 | 17.3 % | 0.30 | - | 738.09 | 0.30 |
Q4 2021 | 619.13 | 57.1 % | 0.25 | - | 619.13 | 0.25 |
2021 | 2,709.39 | 37.8 % | 1.08 | - | 2,709.39 | 1.08 |
Q1 2022 | 824.75 | 28.5 % | 0.33 | - | 824.75 | 0.33 |
Q2 2022 | 925.09 | 30.2 % | 0.37 | - | 925.09 | 0.37 |
Q3 2022 | 989.03 | 34.0 % | 0.40 | - | 989.03 | 0.40 |
Q4 2022 | 860.28 | 38.9 % | 0.34 | - | 860.28 | 0.34 |
2022 | 3,599.14 | 32.8 % | 1.44 | - | 3,599.14 | 1.44 |
Q1 2023 | 969.89 | 17.6 % | 0.39 | - | 969.89 | 0.39 |
Q2 2023 | 1,225.08 | 32.4 % | 0.49 | - | 1,225.08 | 0.49 |
Q3 2023 | 1,323.90 | 33.9 % | 0.53 | - | 1,323.90 | 0.53 |
Q4 2023 | 1,320.34 | 53.5 % | 0.53 | - | 1,320.34 | 0.53 |
2023 | 4,839.21 | 34.5 % | 1.94 | - | 4,839.21 | 1.94 |
Q1 2024 | 1,314.73 | 35.6 % | 0.53 | - | 1,314.73 | 0.53 |
Q2 2024 | 1,416.57 | 15.6 % | 0.57 | - | 1,416.57 | 0.57 |
Q3 2024 | 1,571.46 | 18.7 % | 0.63 | - | 1,571.46 | 0.63 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2014 | 1,264.43 | 25.8 % | 0.51 | - | 1,264.43 | 0.51 |
2015 | 1,469.98 | 16.3 % | 0.59 | - | 1,469.98 | 0.59 |
2016 | 1,502.27 | 2.2 % | 0.60 | - | 1,502.27 | 0.60 |
2017 | 2,011.36 | 33.9 % | 0.80 | - | 2,011.36 | 0.80 |
2018 | 2,856.95 | 42.0 % | 1.14 | 556.58 | 2,300.37 | 0.92 |
2019 | 2,534.81 | (11.3 %) | 1.01 | - | 2,534.81 | 1.01 |
2020 | 1,965.99 | (22.4 %) | 0.79 | - | 1,965.99 | 0.79 |
2021 | 2,709.39 | 37.8 % | 1.08 | - | 2,709.39 | 1.08 |
2022 | 3,599.14 | 32.8 % | 1.44 | - | 3,599.14 | 1.44 |
2023 | 4,839.21 | 34.5 % | 1.94 | - | 4,839.21 | 1.94 |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
Q1 2015 | 1.76 % | 7.60 % | 56.31 % |
Q2 2015 | 1.80 % | 7.76 % | 55.92 % |
Q3 2015 | 1.79 % | 7.86 % | 57.08 % |
Q4 2015 | 1.73 % | 8.10 % | 57.71 % |
2015 | 1.73 % | 8.10 % | 57.71 % |
Q1 2016 | 1.73 % | 8.57 % | 56.87 % |
Q2 2016 | 1.73 % | 8.60 % | 55.56 % |
Q3 2016 | 1.62 % | 8.11 % | 48.01 % |
Q4 2016 | 1.55 % | 8.01 % | 43.10 % |
2016 | 1.55 % | 8.01 % | 43.10 % |
Q1 2017 | 1.56 % | 8.17 % | 40.73 % |
Q2 2017 | 1.54 % | 8.55 % | 40.59 % |
Q3 2017 | 1.72 % | 9.55 % | 44.75 % |
Q4 2017 | 1.83 % | 10.18 % | 47.27 % |
2017 | 1.83 % | 10.18 % | 47.27 % |
Q1 2018 | 1.97 % | 10.85 % | 49.48 % |
Q2 2018 | 2.00 % | 11.70 % | 50.27 % |
Q3 2018 | 2.05 % | 11.83 % | 49.86 % |
Q4 2018 | 2.42 % | 13.72 % | 58.38 % |
2018 | 2.42 % | 13.72 % | 58.38 % |
Q1 2019 | 2.48 % | 14.41 % | 57.73 % |
Q2 2019 | 2.50 % | 14.71 % | 57.09 % |
Q3 2019 | 2.48 % | 14.58 % | 56.87 % |
Q4 2019 | 2.00 % | 11.59 % | 45.78 % |
2019 | 2.00 % | 11.59 % | 45.78 % |
Q1 2020 | 1.75 % | 10.49 % | 40.18 % |
Q2 2020 | 1.63 % | 9.71 % | 38.51 % |
Q3 2020 | 1.51 % | 9.05 % | 37.61 % |
Q4 2020 | 1.36 % | 8.39 % | 35.94 % |
2020 | 1.36 % | 8.39 % | 35.94 % |
Q1 2021 | 1.50 % | 9.35 % | 41.24 % |
Q2 2021 | 1.55 % | 9.78 % | 43.62 % |
Q3 2021 | 1.58 % | 10.10 % | 44.34 % |
Q4 2021 | 1.64 % | 10.81 % | 47.72 % |
2021 | 1.64 % | 10.81 % | 47.72 % |
Q1 2022 | 1.70 % | 11.21 % | 49.86 % |
Q2 2022 | 1.78 % | 12.03 % | 51.01 % |
Q3 2022 | 1.87 % | 13.05 % | 50.66 % |
Q4 2022 | 1.93 % | 13.69 % | 47.28 % |
2022 | 1.93 % | 13.69 % | 47.28 % |
Q1 2023 | 1.90 % | 13.69 % | 41.97 % |
Q2 2023 | 1.97 % | 14.86 % | 38.72 % |
Q3 2023 | 2.06 % | 15.99 % | 36.77 % |
Q4 2023 | 2.21 % | 17.22 % | 36.58 % |
2023 | 2.21 % | 17.22 % | 36.58 % |
Q1 2024 | 2.26 % | 17.64 % | 36.40 % |
Q2 2024 | 2.21 % | 18.14 % | 35.77 % |
Q3 2024 | 2.25 % | 18.48 % | 35.81 % |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
2014 | 1.76 % | 7.27 % | 55.32 % |
2015 | 1.73 % | 8.10 % | 57.71 % |
2016 | 1.55 % | 8.01 % | 43.10 % |
2017 | 1.83 % | 10.18 % | 47.27 % |
2018 | 2.42 % | 13.72 % | 58.38 % |
2019 | 2.00 % | 11.59 % | 45.78 % |
2020 | 1.36 % | 8.39 % | 35.94 % |
2021 | 1.64 % | 10.81 % | 47.72 % |
2022 | 1.93 % | 13.69 % | 47.28 % |
2023 | 2.21 % | 17.22 % | 36.58 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
Q1 2015 | 83.69 | 27.9 % | 61.56 | 36.4 % | 55.01 | 20.1 % |
Q2 2015 | 81.84 | 15.9 % | 60.59 | 23.7 % | 53.39 | 8.9 % |
Q3 2015 | 82.39 | 9.2 % | 60.38 | 13.1 % | 53.47 | 6.5 % |
Q4 2015 | 88.72 | 9.7 % | 65.69 | 10.5 % | 57.01 | 6.3 % |
Q1 2016 | 91.61 | 9.5 % | 68.79 | 11.7 % | 60.25 | 9.5 % |
Q2 2016 | 98.19 | 20.0 % | 74.17 | 22.4 % | 66.49 | 24.5 % |
Q3 2016 | 102.94 | 24.9 % | 77.32 | 28.1 % | 69.27 | 29.6 % |
Q4 2016 | 104.73 | 18.0 % | 80.61 | 22.7 % | 70.31 | 23.3 % |
Q1 2017 | 105.08 | 14.7 % | 81.45 | 18.4 % | 73.54 | 22.1 % |
Q2 2017 | 111.18 | 13.2 % | 85.78 | 15.7 % | 76.96 | 15.8 % |
Q3 2017 | 111.12 | 8.0 % | 87.23 | 12.8 % | 77.81 | 12.3 % |
Q4 2017 | 114.75 | 9.6 % | 89.06 | 10.5 % | 79.06 | 12.4 % |
Q1 2018 | 113.94 | 8.4 % | 89.34 | 9.7 % | 79.01 | 7.4 % |
Q2 2018 | 116.78 | 5.0 % | 88.94 | 3.7 % | 82.13 | 6.7 % |
Q3 2018 | 120.21 | 8.2 % | 89.87 | 3.0 % | 83.17 | 6.9 % |
Q4 2018 | 121.54 | 5.9 % | 90.13 | 1.2 % | 83.89 | 6.1 % |
Q1 2019 | 121.79 | 6.9 % | 92.26 | 3.3 % | 85.88 | 8.7 % |
Q2 2019 | 123.48 | 5.7 % | 92.82 | 4.4 % | 87.67 | 6.7 % |
Q3 2019 | 128.01 | 6.5 % | 99.84 | 11.1 % | 90.78 | 9.2 % |
Q4 2019 | 131.84 | 8.5 % | 102.06 | 13.2 % | 94.80 | 13.0 % |
Q1 2020 | 138.02 | 13.3 % | 103.87 | 12.6 % | 97.78 | 13.9 % |
Q2 2020 | 142.20 | 15.2 % | 107.42 | 15.7 % | 103.18 | 17.7 % |
Q3 2020 | 147.85 | 15.5 % | 111.32 | 11.5 % | 105.33 | 16.0 % |
Q4 2020 | 156.88 | 19.0 % | 119.45 | 17.0 % | 111.20 | 17.3 % |
Q1 2021 | 159.95 | 15.9 % | 120.71 | 16.2 % | 117.15 | 19.8 % |
Q2 2021 | 164.06 | 15.4 % | 125.88 | 17.2 % | 119.62 | 15.9 % |
Q3 2021 | 166.81 | 12.8 % | 116.65 | 4.8 % | 121.32 | 15.2 % |
Q4 2021 | 173.48 | 10.6 % | 121.06 | 1.3 % | 126.27 | 13.6 % |
Q1 2022 | 179.52 | 12.2 % | 128.04 | 6.1 % | 128.97 | 10.1 % |
Q2 2022 | 184.62 | 12.5 % | 130.38 | 3.6 % | 131.19 | 9.7 % |
Q3 2022 | 193.23 | 15.8 % | 132.05 | 13.2 % | 139.99 | 15.4 % |
Q4 2022 | 200.44 | 15.5 % | 145.17 | 19.9 % | 146.49 | 16.0 % |
Q1 2023 | 213.75 | 19.1 % | 159.95 | 24.9 % | 153.15 | 18.8 % |
Q2 2023 | 226.90 | 22.9 % | 177.87 | 36.4 % | 161.77 | 23.3 % |
Q3 2023 | 232.59 | 20.4 % | 180.23 | 36.5 % | 169.06 | 20.8 % |
Q4 2023 | 236.72 | 18.1 % | 187.90 | 29.4 % | 173.62 | 18.5 % |
Q1 2024 | 244.86 | 14.6 % | 188.99 | 18.2 % | 180.70 | 18.0 % |
Q2 2024 | 260.14 | 14.6 % | 205.36 | 15.5 % | 189.91 | 17.4 % |
Q3 2024 | 266.98 | 14.8 % | 209.14 | 16.0 % | 195.90 | 15.9 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
3m 2015 | 83.69 | 27.9 % | 61.56 | 36.4 % | 55.01 | 20.1 % |
6m 2015 | 81.84 | 15.9 % | 60.59 | 23.7 % | 53.39 | 8.9 % |
9m 2015 | 82.39 | 9.2 % | 60.38 | 13.1 % | 53.47 | 6.5 % |
12m 2015 | 88.72 | 9.7 % | 65.69 | 10.5 % | 57.01 | 6.3 % |
3m 2016 | 91.61 | 9.5 % | 68.79 | 11.7 % | 60.25 | 9.5 % |
6m 2016 | 98.19 | 20.0 % | 74.17 | 22.4 % | 66.49 | 24.5 % |
9m 2016 | 102.94 | 24.9 % | 77.32 | 28.1 % | 69.27 | 29.6 % |
12m 2016 | 104.73 | 18.0 % | 80.61 | 22.7 % | 70.31 | 23.3 % |
3m 2017 | 105.08 | 14.7 % | 81.45 | 18.4 % | 73.54 | 22.1 % |
6m 2017 | 111.18 | 13.2 % | 85.78 | 15.7 % | 76.96 | 15.8 % |
9m 2017 | 111.12 | 8.0 % | 87.23 | 12.8 % | 77.81 | 12.3 % |
12m 2017 | 114.75 | 9.6 % | 89.06 | 10.5 % | 79.06 | 12.4 % |
3m 2018 | 113.94 | 8.4 % | 89.34 | 9.7 % | 79.01 | 7.4 % |
6m 2018 | 116.78 | 5.0 % | 88.94 | 3.7 % | 82.13 | 6.7 % |
9m 2018 | 120.21 | 8.2 % | 89.87 | 3.0 % | 83.17 | 6.9 % |
12m 2018 | 121.54 | 5.9 % | 90.13 | 1.2 % | 83.89 | 6.1 % |
3m 2019 | 121.79 | 6.9 % | 92.26 | 3.3 % | 85.88 | 8.7 % |
6m 2019 | 123.48 | 5.7 % | 92.82 | 4.4 % | 87.67 | 6.7 % |
9m 2019 | 128.01 | 6.5 % | 99.84 | 11.1 % | 90.78 | 9.2 % |
12m 2019 | 131.84 | 8.5 % | 102.06 | 13.2 % | 94.80 | 13.0 % |
3m 2020 | 138.02 | 13.3 % | 103.87 | 12.6 % | 97.78 | 13.9 % |
6m 2020 | 142.20 | 15.2 % | 107.42 | 15.7 % | 103.18 | 17.7 % |
9m 2020 | 147.85 | 15.5 % | 111.32 | 11.5 % | 105.33 | 16.0 % |
12m 2020 | 156.88 | 19.0 % | 119.45 | 17.0 % | 111.20 | 17.3 % |
3m 2021 | 159.95 | 15.9 % | 120.71 | 16.2 % | 117.15 | 19.8 % |
6m 2021 | 164.06 | 15.4 % | 125.88 | 17.2 % | 119.62 | 15.9 % |
9m 2021 | 166.81 | 12.8 % | 116.65 | 4.8 % | 121.32 | 15.2 % |
12m 2021 | 173.48 | 10.6 % | 121.06 | 1.3 % | 126.27 | 13.6 % |
3m 2022 | 179.52 | 12.2 % | 128.04 | 6.1 % | 128.97 | 10.1 % |
6m 2022 | 184.62 | 12.5 % | 130.38 | 3.6 % | 131.19 | 9.7 % |
9m 2022 | 193.23 | 15.8 % | 132.05 | 13.2 % | 139.99 | 15.4 % |
12m 2022 | 200.44 | 15.5 % | 145.17 | 19.9 % | 146.49 | 16.0 % |
3m 2023 | 213.75 | 19.1 % | 159.95 | 24.9 % | 153.15 | 18.8 % |
6m 2023 | 226.90 | 22.9 % | 177.87 | 36.4 % | 161.77 | 23.3 % |
9m 2023 | 232.59 | 20.4 % | 180.23 | 36.5 % | 169.06 | 20.8 % |
12m 2023 | 236.72 | 18.1 % | 187.90 | 29.4 % | 173.62 | 18.5 % |
3m 2024 | 244.86 | 14.6 % | 188.99 | 18.2 % | 180.70 | 18.0 % |
6m 2024 | 260.14 | 14.6 % | 205.36 | 15.5 % | 189.91 | 17.4 % |
9m 2024 | 266.98 | 14.8 % | 209.14 | 16.0 % | 195.90 | 15.9 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
2014 | 80.86 | 28.3 % | 59.43 | 39.0 % | 53.64 | 19.4 % |
2015 | 88.72 | 9.7 % | 65.69 | 10.5 % | 57.01 | 6.3 % |
2016 | 104.73 | 18.0 % | 80.61 | 22.7 % | 70.31 | 23.3 % |
2017 | 114.75 | 9.6 % | 89.06 | 10.5 % | 79.06 | 12.4 % |
2018 | 121.54 | 5.9 % | 90.13 | 1.2 % | 83.89 | 6.1 % |
2019 | 131.84 | 8.5 % | 102.06 | 13.2 % | 94.80 | 13.0 % |
2020 | 156.88 | 19.0 % | 119.45 | 17.0 % | 111.20 | 17.3 % |
2021 | 173.48 | 10.6 % | 121.06 | 1.3 % | 126.27 | 13.6 % |
2022 | 200.44 | 15.5 % | 145.17 | 19.9 % | 146.49 | 16.0 % |
2023 | 236.72 | 18.1 % | 187.90 | 29.4 % | 173.62 | 18.5 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
Q1 2015 | 73.56 % | 89.37 % | 65.74 % |
Q2 2015 | 74.03 % | 88.11 % | 65.23 % |
Q3 2015 | 73.28 % | 88.56 % | 64.90 % |
Q4 2015 | 74.04 % | 86.77 % | 64.25 % |
Q1 2016 | 75.08 % | 87.59 % | 65.77 % |
Q2 2016 | 75.54 % | 89.65 % | 67.72 % |
Q3 2016 | 75.11 % | 89.60 % | 67.30 % |
Q4 2016 | 76.97 % | 87.22 % | 67.14 % |
Q1 2017 | 77.51 % | 90.30 % | 69.99 % |
Q2 2017 | 77.16 % | 89.72 % | 69.22 % |
Q3 2017 | 78.50 % | 89.20 % | 70.02 % |
Q4 2017 | 77.62 % | 88.77 % | 68.90 % |
Q1 2018 | 78.41 % | 88.44 % | 69.34 % |
Q2 2018 | 76.16 % | 92.34 % | 70.33 % |
Q3 2018 | 74.76 % | 92.55 % | 69.19 % |
Q4 2018 | 74.16 % | 93.08 % | 69.02 % |
Q1 2019 | 75.75 % | 93.08 % | 70.51 % |
Q2 2019 | 75.17 % | 94.45 % | 71.00 % |
Q3 2019 | 77.99 % | 90.93 % | 70.92 % |
Q4 2019 | 77.41 % | 92.89 % | 71.91 % |
Q1 2020 | 75.26 % | 94.14 % | 70.85 % |
Q2 2020 | 75.54 % | 96.05 % | 72.56 % |
Q3 2020 | 75.29 % | 94.62 % | 71.24 % |
Q4 2020 | 76.15 % | 93.09 % | 70.88 % |
Q1 2021 | 75.46 % | 97.05 % | 73.24 % |
Q2 2021 | 76.73 % | 95.03 % | 72.92 % |
Q3 2021 | 69.93 % | 104.00 % | 72.73 % |
Q4 2021 | 69.79 % | 104.30 % | 72.79 % |
Q1 2022 | 71.32 % | 100.73 % | 71.84 % |
Q2 2022 | 70.62 % | 100.63 % | 71.06 % |
Q3 2022 | 68.34 % | 106.01 % | 72.45 % |
Q4 2022 | 72.43 % | 100.91 % | 73.09 % |
Q1 2023 | 74.83 % | 95.75 % | 71.65 % |
Q2 2023 | 78.39 % | 90.95 % | 71.30 % |
Q3 2023 | 77.49 % | 93.80 % | 72.69 % |
Q4 2023 | 79.38 % | 92.40 % | 73.35 % |
Q1 2024 | 77.18 % | 95.62 % | 73.80 % |
Q2 2024 | 78.94 % | 92.48 % | 73.00 % |
Q3 2024 | 78.33 % | 93.67 % | 73.37 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
2014 | 73.49 % | 90.26 % | 66.33 % |
2015 | 74.04 % | 86.77 % | 64.25 % |
2016 | 76.97 % | 87.22 % | 67.14 % |
2017 | 77.62 % | 88.77 % | 68.90 % |
2018 | 74.16 % | 93.08 % | 69.02 % |
2019 | 77.41 % | 92.89 % | 71.91 % |
2020 | 76.15 % | 93.09 % | 70.88 % |
2021 | 69.79 % | 104.30 % | 72.79 % |
2022 | 72.43 % | 100.91 % | 73.09 % |
2023 | 79.38 % | 92.40 % | 73.35 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2015 | 2,500.00 | 0.53 | 0.53 | - | 6.98 |
Q2 2015 | 2,500.00 | 0.55 | 0.55 | - | 7.16 |
Q3 2015 | 2,500.00 | 0.57 | 0.57 | - | 7.29 |
Q4 2015 | 2,500.00 | 0.59 | 0.59 | - | 7.34 |
Q1 2016 | 2,500.00 | 0.61 | 0.61 | - | 7.18 |
Q2 2016 | 2,500.00 | 0.62 | 0.62 | - | 7.36 |
Q3 2016 | 2,500.00 | 0.60 | 0.60 | - | 7.49 |
Q4 2016 | 2,500.00 | 0.60 | 0.60 | - | 7.67 |
Q1 2017 | 2,500.00 | 0.61 | 0.61 | - | 7.83 |
Q2 2017 | 2,500.00 | 0.64 | 0.64 | - | 7.71 |
Q3 2017 | 2,500.00 | 0.74 | 0.74 | - | 7.94 |
Q4 2017 | 2,500.00 | 0.80 | 0.80 | - | 8.14 |
Q1 2018 | 2,500.00 | 0.86 | 0.86 | - | 8.07 |
Q2 2018 | 2,500.00 | 0.91 | 0.91 | - | 7.84 |
Q3 2018 | 2,500.00 | 0.95 | 0.95 | - | 8.08 |
Q4 2018 | 2,500.00 | 1.14 | 0.92 | - | 8.52 |
Q1 2019 | 2,500.00 | 1.17 | 0.95 | - | 8.18 |
Q2 2019 | 2,500.00 | 1.20 | 0.98 | - | 8.47 |
Q3 2019 | 2,500.00 | 1.23 | 1.01 | - | 8.77 |
Q4 2019 | 2,500.00 | 1.01 | 1.01 | 1.02 | 8.98 |
Q1 2020 | 2,500.00 | 0.91 | 0.91 | 0.91 | 9.11 |
Q2 2020 | 2,500.00 | 0.87 | 0.87 | 0.87 | 9.35 |
Q3 2020 | 2,500.00 | 0.83 | 0.83 | 0.83 | 9.62 |
Q4 2020 | 2,500.00 | 0.79 | 0.79 | 0.79 | 9.77 |
Q1 2021 | 2,500.00 | 0.90 | 0.90 | 0.90 | 10.03 |
Q2 2021 | 2,500.00 | 0.95 | 0.95 | 0.95 | 10.08 |
Q3 2021 | 2,500.00 | 0.99 | 0.99 | 1.00 | 10.07 |
Q4 2021 | 2,500.00 | 1.08 | 1.08 | 1.09 | 10.28 |
Q1 2022 | 2,500.00 | 1.16 | 1.16 | 1.16 | 10.61 |
Q2 2022 | 2,500.00 | 1.24 | 1.24 | 1.23 | 10.59 |
Q3 2022 | 2,500.00 | 1.34 | 1.34 | 1.31 | 10.52 |
Q4 2022 | 2,500.00 | 1.44 | 1.44 | 1.38 | 10.75 |
Q1 2023 | 2,500.00 | 1.50 | 1.50 | 1.42 | 11.27 |
Q2 2023 | 2,500.00 | 1.62 | 1.62 | 1.54 | 11.19 |
Q3 2023 | 2,500.00 | 1.75 | 1.75 | 1.67 | 11.38 |
Q4 2023 | 2,500.00 | 1.94 | 1.94 | 1.86 | 11.73 |
Q1 2024 | 2,500.00 | 2.07 | 2.07 | 2.01 | 12.24 |
Q2 2024 | 2,500.00 | 2.15 | 2.15 | 2.08 | 12.51 |
Q3 2024 | 2,500.00 | 2.25 | 2.25 | 2.13 | 12.96 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2014 | 2,500.00 | 0.51 | 0.51 | - | 7.18 |
2015 | 2,500.00 | 0.59 | 0.59 | - | 7.34 |
2016 | 2,500.00 | 0.60 | 0.60 | - | 7.67 |
2017 | 2,500.00 | 0.80 | 0.80 | - | 8.14 |
2018 | 2,500.00 | 1.14 | 0.92 | - | 8.52 |
2019 | 2,500.00 | 1.01 | 1.01 | 1.01 | 8.98 |
2020 | 2,500.00 | 0.79 | 0.79 | 0.79 | 9.77 |
2021 | 2,500.00 | 1.08 | 1.08 | 1.08 | 10.28 |
2022 | 2,500.00 | 1.44 | 1.44 | 1.38 | 10.75 |
2023 | 2,500.00 | 1.94 | 1.94 | 1.86 | 11.73 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2015 | 25.14 | 25.14 | 1.89 |
Q2 2015 | 24.67 | 24.67 | 1.89 |
Q3 2015 | 17.83 | 17.83 | 1.39 |
Q4 2015 | 15.07 | 15.07 | 1.21 |
Q1 2016 | 12.67 | 12.67 | 1.07 |
Q2 2016 | 12.55 | 12.55 | 1.07 |
Q3 2016 | 11.40 | 11.40 | 0.91 |
Q4 2016 | 15.05 | 15.05 | 1.18 |
Q1 2017 | 14.70 | 14.70 | 1.15 |
Q2 2017 | 14.18 | 14.18 | 1.18 |
Q3 2017 | 14.23 | 14.23 | 1.32 |
Q4 2017 | 14.27 | 14.27 | 1.41 |
Q1 2018 | 14.32 | 14.32 | 1.53 |
Q2 2018 | 14.12 | 14.12 | 1.64 |
Q3 2018 | 13.62 | 13.62 | 1.60 |
Q4 2018 | 12.07 | 14.98 | 1.62 |
Q1 2019 | 12.43 | 15.35 | 1.78 |
Q2 2019 | 12.31 | 15.12 | 1.74 |
Q3 2019 | 10.97 | 13.40 | 1.54 |
Q4 2019 | 14.91 | 14.91 | 1.69 |
Q1 2020 | 13.71 | 13.71 | 1.37 |
Q2 2020 | 13.37 | 13.37 | 1.24 |
Q3 2020 | 15.75 | 15.75 | 1.36 |
Q4 2020 | 16.38 | 16.38 | 1.32 |
Q1 2021 | 16.36 | 16.36 | 1.47 |
Q2 2021 | 17.72 | 17.72 | 1.67 |
Q3 2021 | 19.20 | 19.20 | 1.91 |
Q4 2021 | 17.59 | 17.59 | 1.86 |
Q1 2022 | 26.84 | 26.84 | 2.93 |
Q2 2022 | 21.72 | 21.72 | 2.52 |
Q3 2022 | 22.07 | 22.07 | 2.76 |
Q4 2022 | 18.82 | 18.82 | 2.42 |
Q1 2023 | 16.54 | 16.54 | 2.09 |
Q2 2023 | 17.36 | 17.36 | 2.39 |
Q3 2023 | 15.98 | 15.98 | 2.35 |
Q4 2023 | 16.59 | 16.59 | 2.64 |
Q1 2024 | 16.95 | 16.95 | 2.78 |
Q2 2024 | 14.92 | 14.92 | 2.49 |
Q3 2024 | 13.37 | 13.37 | 2.20 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2014 | 24.19 | 24.19 | 1.70 |
2015 | 15.07 | 15.07 | 1.21 |
2016 | 15.05 | 15.05 | 1.18 |
2017 | 14.27 | 14.27 | 1.41 |
2018 | 12.07 | 14.98 | 1.62 |
2019 | 15.06 | 15.06 | 1.69 |
2020 | 16.38 | 16.38 | 1.32 |
2021 | 17.75 | 17.75 | 1.86 |
2022 | 18.82 | 18.82 | 2.42 |
2023 | 16.59 | 16.59 | 2.64 |
Q3 2024
2024
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
Q1 2015 | 247.68 | 326.48 | 123.74 | 31.70 | - |
Q2 2015 | 264.91 | 380.71 | 163.50 | 36.38 | - |
Q3 2015 | 266.23 | 333.07 | 78.56 | 30.08 | - |
Q4 2015 | 262.89 | 394.75 | 87.07 | 35.00 | - |
Q1 2016 | 271.68 | 317.10 | 105.45 | 40.10 | - |
Q2 2016 | 279.19 | 357.18 | 139.50 | 44.01 | - |
Q3 2016 | 296.86 | 369.34 | 121.78 | 40.73 | - |
Q4 2016 | 287.93 | 396.96 | 199.08 | 60.90 | - |
Q1 2017 | 381.21 | 424.83 | 147.59 | 51.22 | - |
Q2 2017 | 388.98 | 400.06 | 170.34 | 47.33 | - |
Q3 2017 | 419.81 | 416.05 | 180.54 | 46.35 | - |
Q4 2017 | 431.88 | 459.06 | 218.35 | 189.37 | - |
Q1 2018 | 451.77 | 384.81 | 205.15 | 68.03 | - |
Q2 2018 | 462.86 | 444.90 | 222.57 | 100.68 | - |
Q3 2018 | 502.29 | 452.86 | 146.49 | 110.06 | - |
Q4 2018 | 482.34 | 298.75 | 439.46 | 71.90 | - |
Q1 2019 | 591.63 | 437.92 | 174.13 | 85.95 | - |
Q2 2019 | 613.57 | 412.84 | 258.85 | 78.95 | - |
Q3 2019 | 636.28 | 478.53 | 241.64 | 84.52 | - |
Q4 2019 | 625.88 | 470.10 | 292.43 | 126.94 | - |
Q1 2020 | 704.81 | 422.91 | 32.69 | 107.63 | - |
Q2 2020 | 575.08 | 407.84 | 218.76 | 121.98 | - |
Q3 2020 | 609.10 | 531.29 | 199.35 | 140.09 | - |
Q4 2020 | 737.85 | 505.40 | 203.40 | 163.46 | - |
Q1 2021 | 676.62 | 504.98 | 243.84 | 180.82 | - |
Q2 2021 | 604.14 | 592.09 | 284.39 | 170.50 | - |
Q3 2021 | 649.17 | 683.65 | 242.45 | 146.79 | - |
Q4 2021 | 638.26 | 627.40 | 275.12 | 139.39 | - |
Q1 2022 | 627.88 | 582.67 | 397.78 | 199.28 | - |
Q2 2022 | 746.65 | 607.48 | 393.14 | 184.87 | - |
Q3 2022 | 1,002.78 | 618.33 | 290.26 | 164.05 | - |
Q4 2022 | 946.80 | 927.48 | 85.62 | 187.99 | - |
Q1 2023 | 979.97 | 796.62 | 229.90 | 172.92 | - |
Q2 2023 | 1,028.66 | 808.75 | 334.86 | 264.60 | - |
Q3 2023 | 1,249.82 | 790.62 | 278.61 | 221.59 | - |
Q4 2023 | 1,267.07 | 841.41 | 268.71 | 191.55 | - |
Q1 2024 | 1,246.10 | 790.47 | 302.64 | 225.29 | - |
Q2 2024 | 1,278.32 | 818.28 | 341.17 | 307.96 | - |
Q3 2024 | 1,322.40 | 768.03 | 486.49 | 238.28 | - |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
2014 | 840.32 | 1,194.98 | 495.33 | 89.20 | - |
2015 | 1,041.71 | 1,435.02 | 452.87 | 133.15 | - |
2016 | 1,135.67 | 1,440.59 | 565.81 | 185.74 | - |
2017 | 1,621.88 | 1,700.00 | 716.81 | 334.27 | - |
2018 | 1,899.26 | 1,581.33 | 1,013.66 | 350.67 | - |
2019 | 2,467.37 | 1,799.39 | 967.05 | 376.36 | - |
2020 | 2,626.85 | 1,867.43 | 654.20 | 533.16 | - |
2021 | 2,568.18 | 2,408.12 | 1,045.80 | 637.49 | - |
2022 | 3,324.13 | 2,735.96 | 1,185.15 | 717.83 | - |
2023 | 4,494.15 | 3,268.77 | 1,112.08 | 850.67 | - |
Item | Q3 2024 (e) | Q3 2024 (a) | Change |
---|---|---|---|
Average | 1,451.19 | 1,571.46 | 8.29 % |
Item | Q3 2024 (e) | Q3 2024 (a) | Change |
---|---|---|---|
United Securities Company | 1,557.00 | 1,571.46 | 0.9 % |
OSOOL AND BAKHEET | 1,513.67 | 1,571.46 | 3.8 % |
Value Capital | 1,498.37 | 1,571.46 | 4.9 % |
SNB Capital | 1,494.00 | 1,571.46 | 5.2 % |
YAQEEN | 1,476.00 | 1,571.46 | 6.5 % |
Riyad Capital | 1,446.00 | 1,571.46 | 8.7 % |
AlJazira Capital | 1,446.00 | 1,571.46 | 8.7 % |
Sico | 1,439.00 | 1,571.46 | 9.2 % |
Hermes | 1,435.00 | 1,571.46 | 9.5 % |
Bank of America | 1,368.00 | 1,571.46 | 14.9 % |
Citi Bank Group | 1,290.00 | 1,571.46 | 21.8 % |
Current | |
Market Cap (M) | 68,875.00 |
Shares Outstanding ((M)) | 2,500.00 |
EPS ( Riyal) (TTM) | 2.25 |
EPS Diluted ( Riyal) (TTM) | 2.13 |
Book Value (BV) ( Riyal) | 12.96 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 12.25 |
P/E (TTM) | 12.25 |
Price/book | 2.13 |
Return on Average Assets (%) (TTM) | 2.3 |
Return on Average Equity (%) (TTM) | 18.5 |
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